National Neopian Bank

The National Neopian Bank (commonly just The National Neopian), based in Neopia Central, is the only bank in Neopia. A financial institution, the National Neopian can store some or all of a user's Neopoints and keep them safe from random events. The National Neopian provides interest on the funds a user has invested in their account, an annual rate based on the account type (which itself depends on the size of the investment) which must be collected by the user daily. the Bank manager is the only employee seen.

When a user signs up for a bank account, they are also entitled to the use of a Safety Deposit Box, in which they may store items instead of in their inventory, in order to keep them safe.

Users were able to acquire loans from 21st March 2000, with repayments begining to be debited from the 23rd March 2000. Loans were removed, as they were being abused by users, on 20th May 2000, and since then National Neopian has not offered any lending facilities - in the form of overdrafts, loans, or mortgages - to users. An opt-inPIN system, to protect a user's savings in the event another person accesses their account, was implemented on 8th February 2006. A PIN, once set, gives the user five attempts to enter the correct four digit code when withdrawing Neopoints before the withdraw feature is locked for about an hour.

Up to fifteen individual withdrawals may be made per day, after which the bank staff get angry and refuse to serve the user.

Annual interest is calculate based on the account balance time the interest rate for the account type. This sum is divide by 365 (rounded up) to give a daily total for how much interest can be collected. Users must actively collect the daily interest manually, by clicking the Collect Interest button, which adds the interest directly into the account balance. If the user deposits or withdraws NeoPoints before collecting interest, it is forfeit for that day.

Interest is always calculated based on the current balance of a user's account - hence, as more neopoints are added (either deposited or collected as interest) or withdrawn, the amount of interest earned each day also changes.

An interest rate is fixed for an account type. To upgrade an account to an account that pays more (or less) interest, a minimum balance must be reached. However, an account's balance can drop below this minimum amount after the account type is set to it without the account needing to be downgraded.

For April Fools' Day 2009, the bank lampooned the real-world credit crunch by saying that they were cutting interest rates, while claiming it had nothing to do with the economic situation and encouraging users to "bank with confidence". The Skeith bank manager was shown wearing a barrel, rather than his usual suit. Each listed interest rate went down by one percentage point, but the actual payout remained the same.